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Single Family ResidenceResidential
$367,258$208 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 94How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026

3197 4TH ST

SAINT CLOUD, FL 34769
2
Baths
1,764 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.51 ac
Lot SizeThe size of the land the home sits on, from county records.
1969
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
5
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$367K
$345K low$390K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,362 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$123,970 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$120,477
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$385,000

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.51
10
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
36
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
98
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
79
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
32
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.7 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyOsceola
Lot (acres)The size of the land the home sits on, from county records.0.51
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Footing
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Floor/Wall Furnace
CoolingThe type of cooling or air conditioning in the home.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Mixed
PoolWhether the property has a pool, and what kind, such as in-ground.Yes
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 348 ft²Shed · 192 ft²Porch · 910 ft²

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Lakeview Elementary SchoolC
Elementary · Grades KG–5 · 0.2 mi
H
Saint Cloud High SchoolC-
High · Grades 9–12 · 1.9 mi
M
Saint Cloud Middle SchoolB+
Middle · Grades 6–8 · 2.1 mi

District: Osceola County School District

Neighborhood · ZIP 34769These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.107
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.150
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.24

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.94%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.15%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.14%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.28,746
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.3,160 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$59,606
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$73,979
Average tempThe average temperature here across a full year.72°F
Annual precipHow much rain and melted snow falls here in a typical year.50 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.64%

Owner Tools

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

3197 4th St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 81% of homes in Saint Cloud 34769
  • Bigger than 73% of homes in Saint Cloud 34769
  • Has a bigger lot than 95% of homes in Saint Cloud 34769
  • Older than 97% of homes in Osceola County

What homes are worth in Saint Cloud 34769

Each bar is how many homes fall in that price range. The marker is this home.

This home
$145K$502K

This home is worth more than 81% of homes in Saint Cloud 34769.

How it measures up in Saint Cloud 34769

The dot is this home. The mark in the middle is the typical home in Saint Cloud 34769.

Estimated value$367,258
CheaperTypical $304,870Pricier

Pricier than 81% of homes nearby

Price per ft²$208
CheaperTypical $212Pricier

Pricier than 46% of homes nearby

Living area1,764 ft²
SmallerTypical 1,441 ft²Bigger

Bigger than 73% of homes nearby

Lot size0.51 ac
SmallerTypical 0.17 acBigger

Bigger than 95% of homes nearby

Year built1969
OlderTypical 1988Newer

Newer than 22% of homes nearby

How 3197 4th St ranks against every home in each area.
MeasureThis homeSaint Cloud 34769Osceola County
Estimated valuepricier than$367,25881% of homes52% of homes
Price per ft²pricier than$20846% of homes60% of homes
Living areabigger than1,764 ft²73% of homes47% of homes
Lot sizebigger than0.51 ac95% of homes93% of homes
Year builtnewer than196922% of homes3% of homes

About 3197 4th St

How much is 3197 4th St, Saint Cloud, FL worth?

The TopHap Estimate for 3197 4th St, Saint Cloud, FL is $367,258 as of Aug 30, 2026. The likely range is $345,005 to $389,511. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 3197 4th St, Saint Cloud, FL?

3197 4th St, Saint Cloud, FL has 2 bathrooms, 1,764 square feet of living space and a 0.51-acre lot.

When was 3197 4th St, Saint Cloud, FL built?

3197 4th St, Saint Cloud, FL was built in 1969, making it 57 years old. The building has 2 stories.

What schools serve 3197 4th St, Saint Cloud, FL?

3197 4th St, Saint Cloud, FL is assigned to Lakeview Elementary School (elementary), rated C; Saint Cloud High School (high), rated C-; Saint Cloud Middle School (middle), rated B+. All sit in Osceola County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3197 4th St, Saint Cloud, FL compare to other homes in Saint Cloud 34769?

Among the 9,489 homes in Saint Cloud 34769, it is worth more than 81% of them ($367,258 against a typical $304,870), its price per square foot is higher than 46% of them ($208 against a typical $212), it is bigger than 73% of them (1,764 ft² against a typical 1,441 ft²), its lot is bigger than 95% of them (0.51 ac against a typical 0.17 ac) and it is newer than 22% of them (1969 against a typical 1988). Measured against all of Osceola County, it is worth more than 52% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 3197 4th St, Saint Cloud, FL?

The 2025 property tax bill for 3197 4th St, Saint Cloud, FL was $1,362. The county assessed it at $123,970.

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